Clients receive a unique combination of features and benefits from the variety of annuity products offered by Western United Life Assurance Company (Western United). Western United is constantly working with customers to design annuities that meet their changing needs. Some of the benefits you will receive with Western United's annuities are:

Tax Advantages:
Annuities enable you to defer income taxes on the interest you earn while your money is growing. So, you earn interest on your principal, interest on your interest and interest on the money you would have paid in taxes, all tax deferred. The interest does not become taxable until you withdraw it from the annuity. In this way you can determine when it would be best for you to recognize the income and pay the tax. It should be noted that there may be federal excise tax imposed if interest is withdrawn prior to age 59 1/2. You should consult with your tax and financial planner for further information.

Competitive Interest Rates:
Western United's interest rates are typically higher than bank certificates of deposit and other insurance companies annuities.

Liquidity:
Most of our annuities offer you a penalty-free annual withdrawal of 15% of your balance. Most competitors allow you to withdrawal only 10% of your balance without penalty, or just the interest you earned in the prior year.

Avoid Probate:
Mutual funds, bank CDs and other investments don't have the estate planning features offered by annuities. With our products, death proceeds pass directly to your named beneficiaries to avoid the costs, delays and publicity of probate.

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Guaranteed Rates:
The Annual Effective Minimum Guaranteed Interest Rate on annuities issued by Western United will never be less than 1%; in fact, this rate has historically been closer to 3%.

Peace of Mind:
Your principal and earnings are always guaranteed with Western United's fixed annuities. And rest assured our unblemished record of honoring all policyholder obligations through a history of sound financial management.

No Loads/Fees:
Western United won't ever charge you administrative fees or up-front sales loads, so 100% of your money can go to work for you immediately.

Product Availability:
Not all products are available in every state. Please contact your Western United insurance agent for specific product availability in your state, and to see if any specific restrictions or limitations apply.

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